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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,869 | $104,924-32.5% | $84,623-16.3% | $152,885-53.6% |
| Participation rate | 76.2% | 74.8%+1.4pp | 68.2%+8.0pp | 82.5%-6.3pp |
| Annual return | 14.77% | 373.82%-359.1pp | 258.77%-244.0pp | 345.39%-330.6pp |
| Employer contribution / active EE | $1,706 | $3,302-48.3% | $2,652-35.7% | $4,763-64.2% |
| Participant deferral / active EE | $3,849 | $4,689-17.9% | $3,899-1.3% | $5,851-34.2% |
| Admin fee / account holder | $799 | $6,242-87.2% | $4,913-83.7% | $11,598-93.1% |